My Story

For more than 17 years, I have been working with successful individuals and families, providing thorough, unbiased and carefully considered guidance on a wide range of financial topics. My emphasis on education and commitment to outstanding service enables me to take the mystery out of the markets and bring a disciplined, comprehensive approach to financial planning and smart money management.

My mission is simple: To deliver objective, high quality advice to help you organize and better manage your financial life, so you may enjoy and preserve the wealth you are working so hard to create. I strive to accomplish this through the development of long-term relationships, and by continually aligning your goals and values with your personal wealth management plan.
Services Include
  • Wealth Management1
  • Retirement Planning2
  • Estate Planning Strategies3
  • 529 Plans4
  • Fixed Income5
  • Lending Products
  • Long Term Care Insurance6
  • Annuities7
  • Stock Option Plans8
  • Stock Purchase Plans
Securities Agent: CA, WA, VA, UT, TX, SC, PA, OR, NY, NV, NJ, MA, IL, GA, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1272836
CA Insurance License #: 0F22217
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Biography

As a financial professional in the industry with 15 years of experience, Kathy provides customized solutions and wealth management services to financially successful individuals and families, corporate executives and stock plan participants living in the Bay area and across the country. Her goal is to work closely with each client to tailor strategies that help optimize their equity compensation benefits through goal-based investment and tax-efficient management.

After earning her Bachelor of Commerce degree in Accounting and Finance from McGill University in Montreal, Kathy worked as a tax accountant in both the public and private sectors. It is here where she discovered her true calling for wanting to advise clients beyond their tax and accounting needs. This led her to join Morgan Stanley in 2000, where she could focus solely on financial planning and portfolio management. 

Throughout her career, Kathy has been committed to continuing education, so she may remain on the forefront of the latest and most effective wealth management strategies. She obtained her Chartered Professional Account of Canada (CPA, CGA – non-practicing at Morgan Stanley) and Certified Public Accountant (CPA – non-practicing at Morgan Stanley) designations before becoming a Financial Advisor. She earned her CERTIFIED FINANCIAL PLANNER™ (CFP®) certification in 2004 and achieved the Financial Planning Specialist designation from Morgan Stanley. She currently holds her FINRA Series 7, 63 and 65 licenses and her life insurance license.

Kathy takes pride in her ability to put advanced concepts into action. Her ultimate goal is to guide her clients on the growth and preservation of their assets, while providing for current cash flow needs. Her approach is focused on articulating each client’s goals and aspirations. This information then serves as the foundation for the development of a custom strategy that can be adapted to respond to life changes and market activity.

Having lived in many different places, Kathy calls San Carlos her home, where she lives with her husband, Emad, and their two sons, Armin and Ario. When she’s not working with clients, you can find her volunteering at her Sacred Heart School community or watching her boys play various sports. In her free time, she enjoys walking, watching movies and travelling.

    Working With You

    My clients are much more than a portfolio of assets – they are people with complex lives, who seek an advisor who will be dedicated to helping them address their specific financial challenges. When you work with me, you will be treated with respect, care, confidentiality and an unwavering commitment to you and your family.  This is reflected in the core values that serve as the foundation of my practice.

    Throughout my career, I have developed a strong and active practice that includes a broad range of clients living in the Silicon Valley area and across the country. Essentially, all have accumulated significant assets, yet need help in developing a plan to:

    • Meet a major life goal with confidence, such as financing college education, planning for a comfortable retirement or and leaving a lasting legacy

    • Manage the executive benefits provided by their company, including stock option analysis, employee share purchase, restricted stock compensation and deferred compensation planning 

    • Finance a major acquisition through innovative banking and lending strategies


    My clients include:

    • Corporate executives and management level employees with significant assets amassed in company stock

    • Self-made entrepreneurs in technology and other emerging industries

    • Financially successful individuals and families

     
    While each client has a unique personal and professional situation, they all have one thing in common: They are focused on achieving very specific financial goals, so they can focus on the areas of their lives that bring them joy, meaning and purpose.

      Experience, Education & Awards

      2000 - Present: Morgan Stanley*
      Vice President
      Financial Planning Advisor
      Financial Planning Specialist
      Menlo Park, CA

      1999 - 2000: LeMasters & Daniels LLC
      Senior Tax Accountant
      Kennewick, WA

      1995 - 1999: Sun Life Financial
      Account Analyst
      Tax Accountant
      Montreal, Que. Canada

      McGill University, 1995
      Bachelor of Commerce degree, Accounting and Finance
      Montreal, Quebec Canada


      - CERTIFIED FINANCIAL PLANNER (CFP), 2004 - Present
      - Certified Public Accountant (CPA), 2000 – 2006
      - Chartered Professional Accountant of Canada (CPA, CGA), 1999 - 2001
      - Series 7 - General Securities Representative
      - Series 63 - Uniform State Exam
      - Series 65 - Investment Advisory Agent
      - Life Insurance Licensed
      - Fluent in English, French, and Farsi
      1998 - 1999: Carswell Tax Award

        Location

        2775 Sand Hill Road
        Suite 120
        Menlo Park, CA 94025
        US
        Direct:
        (650) 926-7656(650) 926-7656
        Toll-Free:
        (800) 624-7248(800) 624-7248
        Fax:
        (650) 926-7650(650) 926-7650
        Investment and Market Perspectives

        On the Markets

        Retirement

        Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
        • 401(k) Rollovers
        • IRA Plans
        • Retirement Income Strategies
        • Retirement Plan Participants
        • Annuities
        The Simple Six-Step Retirement Checkup

        The Simple Six-Step Retirement Checkup

        Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

        Investing

        Working closely with you to guide your wealth and investments through the most challenging market cycles.
        • Asset Management
        • Wealth Planning
        • Traditional Investments
        • Alternative Investments
        • Impact Investing
        Investing in Artificial Intelligence and Automation

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        Family

        Creating customized financial strategies for the challenges that today's families face.
        • Estate Planning Strategies
        • 529 Plans / Education Savings Planning
        • Long Term Care Insurance
        • Special Needs Planning
        • Trust Services
        From Clueless to Clued In: Teaching Teens About Money

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        Business Planning

        Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
        • Succession Planning
        • Business Planning
        • Retirement Plan Sponsors
        • Qualified Retirement Plans
        • Corporate Pension Funds
        Facing Financial Stress? Your Employer May Be Able to Help

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        Philanthropy

        Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
        • Endowments
        • Foundations
        • Donor Advised Funds
        • Impact Investing
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        Choosing an Environmental Charity

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        Ready to start a conversation? Contact Kathy Razagh-Zadeh today.
        Market Information Delayed 20 Minutes
        Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

        1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

        2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

        3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

        4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

        5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

        6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

        7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

        8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

        The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

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        The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

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        *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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